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Benefits Changes

In order to change benefits elections outside of the annual enrollment period (late October/early November) the employee must have:

1) Experienced an Applicable Qualifying Event, as defined by the Internal Revenue Service (IRS). Changes based on financial reasons alone are not allowed under the current IRS regulations.

AND

2) The request for a change of benefits must be made within 31 days of the Applicable Qualifying Event.

Within the context of changing benefits, “Applicable” refers to a change that is directly related to the individual experiencing the qualifying event.

"Qualifying Events" include:

• A birth or an adoption.
  
• Marriage, divorce or legal separation.
  
• A death.
  
• Child loses eligibility because of age or marriage.
  
• Employee’s spouse gains or loses coverage through employment.
  
• Significant change in the financial terms of health benefits provided through a
  spouse’s employer or another carrier.

Except for coverage of a newborn, all other changes in coverage begin the first day of the month following the qualifying event. Coverage for the newborn is effective on the child's date of birth. The premiums for newborn coverage cannot be pro-rated and must be paid for the entire birth month.